Ann: Shareholders to vote on Humm Consumer Finance transaction, page-164

I agree with a lot ofthe sentiment from all parties noted here,

Both AA and theexisting board have done a disgraceful job of running this company and we alltend to agree on that,

Personally I do notwant AA to stop the sale and take HUM private for what it is worth now,

But I also believethat we the SH are being sold out by the directors and the last announcementproves that as last year we were told everything is great and BNPL is wonderfulbut now it is bad and we have to get rid of it,

The last announcementlacks detail, why is the BNPL making a loss? Is it the advertising spend tomove OS? If so then do not open up over there just consolidate here.

The most pertinentaspect of AA’s website is the note relating to HUM’s BNPL platform which theyhave spent a long time getting right and as such it works unlike LFS’s BNPLsystem. This is the main reason why I believe that HUM is worth more, becauseLFS needs us and we do not really need them,

I have been a LT holder since 2014 and have had enough of the current management and BOD but I will be voting No in the assumption that LFS will come back with a better offer, then the retail and commercial parts of the business can be separated which needs to happen to gain the maximum value out of the company.